Next Home Down Payment Assistance program

Next Home Down Payment Assistance program是面向Statewide，Ohio购房者的延期第二贷款。 Next Home is OHFA's down payment assistance program for repeat homebuyers (no FTHB requirement) using the OHFA Next Home first-mortgage product. Borrowers select either 2.5% or 5% of the home's purchase price as a 0% interest deferred second mortgage, fully forgiven after 7 years in the home. Designed for move-up buyers and Ohioans relocating within the state who do not qualify as first-time homebuyers. Next Home Down Payment Assistance is OHFA's DPA option for repeat buyers (no first-time-homebuyer requirement). Borrowers receive 2.5% or 5% of the purchase price as a 0% interest, deferred second-mortgage loan to be applied to down payment, closing costs, or pre-paid items. The lien is 100% forgiven if the borrower stays in the home for 7 years. otherwise the full amount is due upon sale, refinance, or transfer of title. Next Home is paired with an OHFA Next Home first mortgage and is intended to expand homeownership opportunities to move-up and repeat buyers who do not qualify as first-time homebuyers. 资金来自Non-bond capital (TBA capital markets execution); not bond-funded, so no IRS recapture。

Next Home Down Payment Assistance program按项目规定，提供相当于房价2.5%的援助。 购房者自付部分：No OHFA-imposed minimum borrower contribution; loan-product overlays apply。 金额是该项目公布的上限，并非报价——具体每人的援助金额由管理该项目的机构决定。

Next Home Down Payment Assistance program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Full balance due if home is sold, refinanced (without subordination), title transferred, or no longer occupied as principal residence within 7 years和lien fully forgiven at end of year 7。 该援助以2nd Lien顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Next Home Down Payment Assistance program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：640 minimum FICO for FHA, VA, and USDA-RD loans; 650 minimum FICO for conventional loans (Fannie Mae HFA Preferred and Freddie Mac HFA Advantage) and manufactured home loans。 须参加购房者教育课程，由Free Streamlined Homebuyer Education from OHFA online (eHome America-powered) required prior to closing; HUD-approved counseling agencies also accepted提供。 居住要求：Property must be in Ohio and occupied as principal residence within 60 days of closing。 公民身份或移民身份：U.S. citizen or qualified non-citizen per agency loan-product guidelines。 No first-time-homebuyer requirement. Must use the OHFA Next Home first-mortgage product (non-bond). Maximum income $115,680 - $179,480 depending on county and household size; maximum purchase price $544,233 - $1,389,032 depending on county and target-area status. 640 minimum FICO for FHA/VA/USDA; 650 minimum for conventional and manufactured housing. 50% maximum DTI. Property must be primary residence; borrower must occupy within 60 days of closing. Cannot be combined with OHFA Mortgage Tax Credit.

Next Home Down Payment Assistance program将家庭收入限制在$179,480。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Next Home Down Payment Assistance program将房价上限设为$1.4M。 符合条件的房屋类型包括Single-family detached, condominiums, townhomes, 1-unit owner-occupied和eligible manufactured homes (permanently affixed)。 新建房屋符合条件。 预制房屋符合条件。

Next Home Down Payment Assistance program在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员、遗属配偶、美洲印第安人和阿拉斯加原住民购房者、教育工作者、执法人员、消防员、医护人员和残障购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Next Home Down Payment Assistance program服务于在Statewide，Ohio购房的购房者。

Next Home Down Payment Assistance program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Lender reserves rate, first-mortgage funds, and DPA via OHFA's Lender Online portal on a first-come, first-served basis预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。